if you're between 18 and 24 years old, the healthcare law will unfairly stick you with higher premiums. dennis, how is that younger people in this age group are hit harder, or higher premiums? >> so obamacare has new rules going in in 2014, and actturarial firm studied, this and the young will bear a bigger burden of the cost increases. 18 to 24 years old, your premium costs could go up 45% in 2014. 25-29, your premium could go up 35% more. if you're 50, your costs will fall 5%. over 60, down 13%. the elderly healthcare costs are five times to six times as high as a cost for a 20-year-old, yet we're giving them price breaks -- i say them, me -- charging more to younger people, yet older people earn far more. >> greta: if i was 18 or 19 years old, i wish, why in the world would i buy healthcare? because i can pay the penalty of about $700, and should i get sick i can always go out and buy insurance because i can get it for a pre-existing problem. >> exactly. >> greta: and if i don't buy into that pool, that reduces the entire pool to keep the cost down for everybody. >> bingo. where he